First Capital vs Richmond Mutual Bancorporation
First Capital and Richmond Mutual Bancorporation are similar in size: $50.6m and $48.9m of revenue in their latest fiscal years. First Capital grew faster (16.5% against 12.5%). First Capital kept more of each dollar of sales as profit: a net margin of 32.3% against 23.7%.
| Latest fiscal year | First CapitalFCAP, 2025 | Richmond Mutual BancorporationRMBI, 2025 |
|---|---|---|
| Revenue | $50.6m | $48.9m |
| Revenue growth | 16.5% | 12.5% |
| Net income | $16.4m | $11.6m |
| Operating margin | — | — |
| Net margin | 32.3% | 23.7% |
| Return on equity | 13.0% | 8.3% |
| Free cash flow | $19.9m | $14.6m |
| Cash | — | $33.1m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.20 | $0.60 |
| Dividend yield | 1.9% | 3.5% |
| Share buybacks | $578,000 | $5.6m |
| Employees | 176 | 180 |
| Market value | $213m | $161m |
| Price vs our value range | — | — |
| Moat score | 77 (Strong) | 51 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 5 buys, 0 sales |